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Buy
56
CIVB Quote, Financials, Valuation and Earnings
Last price:
$22.58
Seasonality move
:
6.23%
Day range:
$22.65 - $23.11
52-week range:
$17.47 - $25.59
Dividend yield:
2.98%
P/E ratio:
8.52x
P/S ratio:
1.47x
P/B ratio:
0.88x
Volume:
65.6K
Avg. volume:
112.9K
1-year change:
8.05%
Market cap:
$440.5M
Revenue:
$244.4M
EPS (TTM):
$2.68
Analysts' Opinion
-
Consensus RatingCivista Bancshares, Inc. has received a consensus rating of Hold. The company's average rating is a Hold based on 2 Buy ratings, 3 Hold ratings, and 0 Sell ratings.
-
Price Target UpsideAccording to analysts' consensus price target of $25.67, Civista Bancshares, Inc. has an estimated upside of 12.52% from its current price of $22.81.
-
Price Target DownsideAccording to analysts, the lowest downside price target is $22.00 representing 100% downside risk from its current price of $22.81.
Fair Value
-
According to the consensus of 5 analysts, Civista Bancshares, Inc. has 12.52% upside to fair value with a price target of $25.67 per share.
CIVB vs. S&P 500
-
Over the past 5 trading days, Civista Bancshares, Inc. has underperformed the S&P 500 by -4.24% suggesting its relative strength compared to the major market average is weak at this time.
Share Buyback
-
Civista Bancshares, Inc. does have a share repurchase program in place at this time. The scale of a buyback program can materially affect share price and usually results in a higher earnings per share, all else being equal, when the share count drops.
Revenue Growth
-
Civista Bancshares, Inc. has grown year-over-year revenues for 13 quarters straight. In the most recent quarter Civista Bancshares, Inc. reported revenues of $64.9M.
Earnings Growth
-
Civista Bancshares, Inc. has grown year-over-year earnings for 4 quarters straight. In the most recent quarter Civista Bancshares, Inc. reported earnings per share of $0.68.
Enterprise value:
785M
EV / Invested capital:
0.93x
Price / LTM sales:
1.47x
EV / EBIT:
5.74x
EV / Revenue:
3.12x
PEG ratio (5yr expected):
0.25x
EV / Free cash flow:
17.16x
Price / Operating cash flow:
8.09x
Enterprise value / EBITDA:
--
Gross Profit (TTM):
--
Return On Assets:
1.06%
Net Income Margin (TTM):
17.28%
Return On Equity:
10.43%
Return On Invested Capital:
5.06%
Operating Margin:
24.13%
| Trailing 12 Months | Fiscal Quarters | |||||
|---|---|---|---|---|---|---|
| Period Ending | 2023-09-30 | 2024-09-30 | 2025-09-30 | 2024-09-30 | 2025-09-30 | |
| Income Statement | ||||||
| Revenue | $214M | $243.1M | $251.6M | $62.4M | $64.9M | |
| Gross Profit | -- | -- | -- | -- | -- | |
| Operating Income | $54M | $36.4M | $51.9M | $9.9M | $15.7M | |
| EBITDA | -- | -- | -- | -- | -- | |
| Diluted EPS | $2.89 | $2.00 | $2.68 | $0.53 | $0.68 | |
| Period Ending | 2021-09-30 | 2022-09-30 | 2023-09-30 | 2024-09-30 | 2025-09-30 | |
|---|---|---|---|---|---|---|
| Balance Sheet | ||||||
| Current Assets | $260.9M | $51.6M | $63.3M | $89.7M | $77.6M | |
| Total Assets | $3B | $3.2B | $3.7B | $4.1B | $4.1B | |
| Current Liabilities | $1.4B | $1B | $1.7B | $1.4B | $1.3B | |
| Total Liabilities | $2.6B | $2.9B | $3.4B | $3.7B | $3.6B | |
| Total Equity | $348.5M | $302.6M | $332.7M | $394.4M | $499M | |
| Total Debt | $104.4M | $110.5M | $117.5M | $112M | $112.2M | |
| Trailing 12 Months | Fiscal Quarters | |||||
|---|---|---|---|---|---|---|
| Period Ending | 2023-09-30 | 2024-09-30 | 2025-09-30 | 2024-09-30 | 2025-09-30 | |
| Cash Flow Statement | ||||||
| Cash Flow Operations | $53.7M | $25.9M | $50.8M | $12.9M | $19M | |
| Cash From Investing | -$414.7M | -$280.2M | -$76.7M | -$23.1M | $65.6M | |
| Cash From Financing | $370.5M | $278.7M | $14M | $29.1M | -$95.7M | |
| Free Cash Flow | $48.2M | $16.2M | $45.8M | $12.8M | $18.4M | |
CIVB
Sector
Market Cap
$440.5M
$555.9M
Price % of 52-Week High
89.14%
91.77%
Dividend Yield
2.98%
1.57%
Shareholder Yield
-2.23%
3.1%
1-Year Price Total Return
8.05%
7.58%
Beta (5-Year)
0.701
0.476
Dividend yield:
2.98%
Annualized payout:
$0.64
Payout ratio:
25%
Growth streak:
13 years
Technicals
8-day SMA
Sell
Level
$23.59
200-day SMA
Buy
Level
$21.47
Bollinger Bands (100)
Buy
Level
20.23 - 22.73
Chaikin Money Flow
Buy
Level
1.4M
20-day SMA
Sell
Level
$23.51
Relative Strength Index (RSI14)
Sell
Level
44.61
ADX Line
Sell
Level
36.83
Williams %R
Buy
Level
-92.3445
50-day SMA
Buy
Level
$22.39
MACD (12, 26)
Buy
Level
0.27
25-day Aroon Oscillator
Buy
Level
64
On Balance Volume
Neutral
Level
3.3M
Financial Scores
Sell
Altman Z-Score
(Annual)
Level (-0.3787)
Sell
CA Score
(Annual)
Level (-2.1554)
--
Beneish M-Score
(Annual)
Level (--)
Buy
Momentum Score
Level (8)
Sell
Ohlson Score
Level (5.7267)
Buy
Piotroski F Score
(Annual)
Level (6)
Buy
Quality Ratio Score
Level (3)
Buy
Fundamental Score
Level (7)
Revenue Forecast
Earnings per Share Forecast
Company Profile
Civista Bancshares, Inc. is a financial holding company engaged in the community banking business. It offers financial services through its offices in the Ohio counties of Erie, Crawford, Champaign, Franklin, Logan, Summit, Huron, Ottawa, Madison, Union and Richland. The firm's primary deposit products are checking, savings, and term certificate accounts, and its lending products are residential mortgage, commercial and installment loans. The company was founded on February 19, 1987 and is headquartered in Sandusky, OH.
Stock Forecast FAQ
In the current month, CIVB has received 2 Buy ratings 3 Hold ratings, and 0 Sell ratings. The CIVB average analyst price target in the past 3 months is $25.67.
-
Where Will Civista Bancshares, Inc. Stock Be In 1 Year?
According to analysts, the consensus estimate is that Civista Bancshares, Inc. share price will rise to $25.67 per share over the next 12 months.
-
What Do Analysts Say About Civista Bancshares, Inc.?
Analysts are divided on their view about Civista Bancshares, Inc. share price and where it will be in the next 12 months. The majority of analysts rate the stock a Buy. However, a smaller subset of analysts suggest that Civista Bancshares, Inc. is a Sell and believe this share price will drop from its current level to $22.00.
-
What Is Civista Bancshares, Inc.'s Price Target?
The price target for Civista Bancshares, Inc. over the next 1-year time period is forecast to be $25.67 according to 5 Wall Street analysts, 2 of them rate the stock a Buy, 0 rate the stock a Sell, and 3 analysts rate the stock a Hold.
-
Is CIVB A Buy, Sell Or Hold?
According to Wall Street analysts, the consensus rating for Civista Bancshares, Inc. is a Hold. 3 of 5 analysts rate the stock a Hold at this time.
-
How Can I Buy Shares Of CIVB?
You can purchase shares of Civista Bancshares, Inc. via an online brokerage firm such as TD Ameritrade.com, thinkorswim.com, e-trade.com, or Schwab.com. Many other digital online brokerages exist such as RobinHood and Webull where you can purchase Civista Bancshares, Inc. shares.
-
What Is The Civista Bancshares, Inc. Share Price Today?
Civista Bancshares, Inc. was last trading at $22.58 per share. This represents the most recent stock quote for Civista Bancshares, Inc.. Yesterday, Civista Bancshares, Inc. closed at $22.81 per share.
-
How To Buy Civista Bancshares, Inc. Stock Online?
In order to purchase Civista Bancshares, Inc. stock online, open a brokerage account, deposit funds into the account, and select an order type to purchase shares whether it be market or limit.
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Financial Ratios
CIVB
Sector
P/E ratio
8.52x
12.26x
PEG ratio
0.25x
0.31x
P/B ratio
0.88x
1.10x
Price / LTM sales
1.47x
1.83x
Growth Metrics
CIVB
Sector
Revenue growth
3.92%
5.54%
Earnings growth
27.92%
14.85%
Revenue (5-year growth)
15.2%
8.84%
Earnings forecast
$0.59
$0.62
Profitability
CIVB
Sector
Profitability FY 2024
--
--
Return on invested capital
5.06%
5.01%
Return on assets
1.06%
1.01%
Return on equity
10.43%
9.68%
Earnings Date
Last Earnings Date
Oct
23
Next Earnings Date
Jan
29
Estimated Next Earnings Date
Jan
22
Balance Sheet
CIVB
Sector
Total cash
$717.5M
$430.8M
Short term investments
$265.3M
$211.3M
Total assets
$4.1B
$3.1B
Long term debt
$112.2M
$79M
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